Preheat oven to 350℉
Place raisins in a heatproof bowl and cover with water. Microwave for 3 minutes.
In large mixing bowl, combine both flours, coconut, cinnamon, baking soda and salt. Set aside.
Add walnuts to a food processor and pulse until finely ground.
Add apple, banana, raisins with 4 tbsp of the soaking liquid and coconut oil to the food processor and pulse till combined.
To the apple mixture add the eggs, flax meal, vinegar or lemon juice, pumpkin puree and sugar and pulse until combined.
Add wet ingredients to dry ingredients and stir until just combined. If more moisture is needed, add a splash of dairy or non-dairy milk.
Fold in chocolate chips.
Using an ice cream scoop, fill regular or mini muffin trays with batter.
Bake mini muffins for 20 minutes and regular sized muffins for 22 minutes, or until set.